Madhuri and Lawrence did a fantastic job getting me out of a sticky situation and turning it around with speed and efficiency

As a property investor I didn't want to lose this particular deal.

Due to a previous broker who nearly lost me this deal. I needed help quickly ..... Lawrence delivered immediately Madhuri tied up everything giving it a sexy and glossy finish

Highly recommend them to anyone seeking advice and financial products

Thanks guys 🙂

Ruzina BegumAccounts Clerk

Added 20th Jan 2017:

I was recommended to speak to Nick about my pension requirements as I was looking to retire imminently and needed someone to explain my options in a clear manner.

Nick and Jack were very professional and took the time and trouble to explain the process and my options. I am very happy with the solutions that they provided and like their approach and attention to detail. I have recommended Holder and Combes to a number of my colleagues as I think their service is first class and they always look to provide the best solution for their clients.

Graeme Johnson Retired (Banking)

Added 9th Jan 2017:

Our combined ages of 140 and fixed pension income definitely counted against us in our search for short-term mortgage finance. Routine enquiries on the High Street produced nothing. The name of Holder & Combes appeared in a web search. Initial appointments with Lawrence were more encouraging but it was clear that our risk profile was generally at odds with most lenders’ criteria.

Lawrence worked tirelessly to maximise the amount we could borrow whilst keeping the mortgage product fees under control. We eventually were offered over £160,000 but this was not the end of the trail for Holder & Combes. Madhuri had to work on our behalf for weeks to satisfy the lender’s apparently insatiable appetite for documentation in respect of our personal circumstances and financial stability. She and Lawrence made a great team. We are pleased to report that we completed the re-mortgage of our London apartment and completed the purchase of our new Chester apartment in three days in the week before Christmas.

Robert Ashton and Catherine BondRetired

Added 9th Jan 2017:

Lawrence and Madhuri at H&C have guided and assisted us through what could have been a stressful venture. We are both working and in our 60s, but were finding it difficult to get our mortgage paid off, and didn't want to downsize or move.

However, they have helped and assisted us every step of the way, prompting and reminding, reassuring and guiding us until we are now in the position where the mortgage on our main residence is paid, and our new buy to let mortgage is paying for itself.

They are approachable, knowledgeable and responsive to emails and phone calls, and I wouldn't hesitate in recommending them for anything mortgage or pension-related, particularly if you are busy with more interesting stuff, and finance isn’t your bag. Their patience knows no bounds.

I moved to H&C about a year ago. I have found them to be very knowledgeable, helpful and creative. They have helped me with my pensions, life insurance, company investments and a mortgage on an overseas property.

So far the returns that have achieved have been way more than I was previously seeing. Thank you all and please keep it up.

Madhuri and Lawrence were very professional and extremely helpful throughout the process. As first time buyers we had lots (and lots) of questions which Madhuri and Lawrence were always quick to answer and never made us feel like any question was too silly.

We were under a lot of pressure to move the process along quickly as our sellers had received other offers, and Madhuri was absolutely fantastic in speeding things along, organising for our mortgage application to be fast-tracked and constantly doing everything possible to ensure it went through as smoothly as possible.

We would have absolutely no hesitation in recommending Holder & Combes to others and would definitely use them again.

We've had a positive experience so far regarding our investment advice from Holder and Combes.

Not only was the approach friendly and personable, but we were given excellent advice on how to maximise our tax savings through our investment. In tax savings alone we will recoup a fair amount of value from the money invested and in the long time we are optimistic about returns from the investment itself

My wife and I completed our first ever - not so standard - property purchase with the help of Lawrence and Madhuri from Holder & Combes in September 2016. From the moment we got in touch with them until completion and even beyond that, they showed great professionalism and efficiency.

Furthermore, they were both very prompt and approachable via email, phone and in person. We felt they genuinely cared about our application and pulled out all the stops to achieve what we needed.

We cannot thank them enough for their help. I will definitely recommend them and use their services in the future.

I have just completed on the purchase of my property with the help of Holder and Combes. I could not have done it without Lawrence and Madhuri. They were amazing from start to finish. Lawrence took me through the whole purchase process from the beginning, guiding me and assisting me throughout my purchase.

He encouraged me not to give up even when the first lender turned me down after the valuation, persuading me to try another lender and our persistence paid off. I could not have done it without him. I truly can’t recommend them enough. They don’t leave you until everything is completed. Even when my case was in the hands of the solicitors, Madhuri was still on the case making sure everything was done in a timely fashion.

Thank you very much Lawrence and Madhuri. You made this whole experience easy and straightforward. I will be recommending you to everyone wanting to buy a property in the future. I will definitely be in touch with you for my next property purchase.

Abena Brago Team Leader – Imaging

Added 20th June 2016:

Holder & Combes have expertly handled my mortgage, pension, and investments over the last decade. Finance can be a daunting world, but their advice has always been friendly, authoritative, and clear – somehow they always find a way of demystifying the process. Highly recommended

Holder & Combes came highly recommended by a discerning colleague a couple of years ago & they have not disappointed. Of course the company exhibits all the qualities one would expect in the financial advice sector such as up to date financial knowledge, professionalism, quick response times, clear & precise communication, & impartiality.

However two things set Holder & Combes apart for my husband and me: firstly the personalised nature of the services they provide. Holder & Combes took great care in finding out exactly what our priorities were in making investments, & what sort of risk levels we were happy with. Ed knows us personally & I have no qualms in contacting him about any query relating to our investments, & he deals with my emails patiently.

Secondly a sense of genuine enjoyment and pride in the creative solutions they provide seems pervasive. We have dealt with several members of the company in different capacities & are impressed by the commitment shown to what they do.

I have used Holder & Combes for around 10 years now for both my personal finance and mortgage and re-mortgage requirements. I use H&C because I find their approach highly professional, reassuring and very friendly.

I have a number of financial plans running with H&C and I completely trust Ed's advice. I have been delighted with the results and I feel like I have an extremely well managed portfolio that has been expertly designed by Ed and his team for my needs and requirements. I fully intend to keep my investments in their safe hands now and into the future.

I cannot recommend Lawrence and Madhuri at Holder & Combes enough for their hard work and constant contact with us whilst we were buying our first home.

We had 4 weeks to exchange on our home and our solicitors were awful. Without Madhuri being on the case everyday to push them, we would have been more stressed than the normality of stress you experience from buying your home.

We were always being updated as to what had to be done and the steps as to what was next in the process and for that we are so very grateful.
With my partner working away all week, it was difficult for me to get it all done on my own but with thanks to Lawrence and Madhuri, it made my life easier! So thank you!

Daniel InkleyLogistics Supervisor

Added 6th June 2016:

I am a full time GP, married with two children. I am very busy in my Practice and simply do not have the time for additional paperwork, I just want to praise Lawrence and Madhuri from H&C for their fast, efficient service, as well as their professionalism, as they helped remortgage my properties, on every step of the way.

They are very helpful and friendly, I will definitely be recommending them to my family and friends, once again, a job well done.

Dr. Syed ShahGeneral Practitioner

Added 29th April 2016:

I was fortunate to have found H&C a few years ago and have been working with Nick ever since. I’ve found the quality of service offered by the company second to none. This began from day one with a seamless consolidation of my pension funds, through to today where I have made various queries and have received a speedy & friendly response.

During our financial reviews, Nick is able to convey financial information in an easily understood form. What also strikes me about Nick is the genuine care and interest he takes in helping with both my near and longer term financial concerns.

Holder & Combes are very forward-thinking and innovative. I will bet my bottom dollar that they will become increasingly successful.

Ed of Holder & Combes has worked has provided me with financial advice for some years now and I have always been struck by his limitless knowledge and expertise in this field that I call a ‘minefield’. He is always supportive, answers technical queries promptly, and goes the extra mile to ensure excellent customer care.

Based on this positive experience, I have successfully referred business partners to him and have heard of no negative comments.

If you are looking for a financial planning service that is flexible, tailor-made, and innovative yet based on sound principles, this has to be the place to come.

Having close to zero financial knowledge besides knowing how to open a bank account it was huge relief to find such a straight talking expert in Ed.

Not only did he take the time to clearly illustrate our options he was also able to lucidly explain the previously impenetrable concepts of finance that had stifled my ability to take sound financial decisions.

After our energetic and fascinating consultations I feel comfortable that we have a plan in place that suits my family's finance needs and dare I say, ethics.

I can also categorically say that it has been a hugely enjoyable experience dealing with Ed.

We are much indebted to Holder & Combes for their assistance with our applications for a mortgage, life cover and buildings insurance.

Along every step of the journey, Lawrence and his team imparted their expertise, tailored precisely to our individual needs. They all worked tirelessly to obtain the best possible outcomes for us and meet our tight timeframe. Many thanks to all three of you.

Nick is forensic in style bringing clarity and order to assist in our decision making with regard to our personal finances. The Team have our objectives as their priority, give pragmatic advice and will spend time steering us through, what is at times, a complex jungle.

We now have an investment plan, understood by all, structured for the next 25 years or more; time will tell as to what the investment world will throw at us but with Nick and the team on our side we feel we are prepared. I would be happy to recommend H&C.

Chris HighamAon Benfield

Added 9th November 2015:

It's hard to imagine greater lengths Ed and his team could go to to provide their top class financial planning service.

From long-term strategy to well thought through advice on the immediate needs of mortgages, dividend and tax planning, their guidance has been excellent. I have no hesitation in recommending Holder and Combes. And have done frequently.

I’m 63 and my partner is 65. I have been worried for a long time as to whether we were making our pensions work as hard as they could, particularly as we don’t want to retire yet and want a chance to build up as much as we can in our private pensions. Ed was recommended to us, and I’ve found him to be extremely approachable, understanding and informative.

I’m sure that our pensions are in safe hands now and a bonus is that Ed is always on hand to answer any queries I may have about anything financial. Very reassuring at this point in my life.

I'm a busy mum of two and, to be honest, the world of financial planning is often bewildering to me. However, with Nick and the team on my side I really feel my financial future is in the safest of hands.

Nick rescued my pension, which I had left to languish and was barely worth what I had put in, and turned it into a pension pot that is making money and will work for me and my family in the future.

He has also sorted out my income protection and life insurances, adapting them to my changing needs. Nick really cares about his clients and is always on the look out for the best deals for them. He is friendly, approachable and highly knowledgeable.

I would recommend Holder & Combes to anyone looking to maximise their finances for the future.

I’ve known Ed for about four years and have worked with Holder & Combes for the past couple of years.

The simplicity, clarity and quality of ideas they provide has always given me huge confidence in their abilities. They provide a fantastic service and I wouldn’t hesitate in recommending them to my friends and colleagues.”

I first met Ed 3 years ago and it was a huge relief to have such a great person advising on what can be very complex matters. It is clearly obvious that he and his team have a huge wealth of knowledge and know how to explain everything in language that is easily understood.

Ed and his team advised me on my personal and business pensions, investment opportunities and recently Justin helped secure a great mortgage for our new home. Its a genuine pleasure working with Holder & Combes"

Justin Al-Kaisy at Holder & Combes was my Mortgage broker and he did a fantastic job. He went above and beyond to help me out and was very patient and thorough. I would recommend him and Holder & Combes to everyone. I will now be using H & C for more financial matters in the near future!

Oliver SmithActor

Added 4th February 2015:

The friendly, efficient and knowledgeable staff have been an invaluable help, providing me with the info needed to complete on a number of property purchases as well as other financial advice.

They have gone out of their way to get back to me with information needed, provided sound advice and respond to requests promptly and efficiently.

Thank you for all your help in the past and I will continue to put my business your way in the future as well as recommend your services.

Peter BenfieldAccount Manager (Media Group)

Added 4th February 2015:

Justin's calm and confident nature lent us the reassurance we required throughout the otherwise potentially stressful process of selecting and securing our first joint mortgage.

We could not recommend Justin, at Holder and Combes, highly enough to anyone else going through the process of buying their first home.

James UphillMedical Research Council (UK)

Added 23rd December 2014:

I have been hugely impressed by Ed's responsiveness and the time that he and his colleagues have taken to guide us through some big decisions for us investment-wise.

While we are no doubt small-fry in comparison to a lot of their clients, and are approaching the world of investments with very limited knowledge and experience, Ed and the team have always ensured that we feel like highly valued clients, and nothing is too much trouble.

The more recent work that Justin has done with us on our mortgages has been very attentive and we are very grateful for all the time he has spent with us and working to secure the best deals for us.

Ed's no nonsense, straight talking approach has been most reassuring and instilled a lot of confidence in us as novices. Thanks for the ongoing support and advice.

Nick demonstrated an understanding of what advice I wanted as well as suggested areas that I had not thought about. Nick also understood my approach to risk, so that the advice that he was giving me took into account how I would process and make my decisions in terms of advice and investments.

Nicks approach to clients is one where he will invest as much time as the client needs and I never once felt that I was taking up too much of his time.

I am able to contact Nick when I feel I need to and the response I receive has always been supportive and sound.

Having turned to Holder and Combes with an air of uncertainty on what to do with my money, and how to prepare for the future, I was met with extremely helpful and clear advice. Not only were the pension plans broken down in a clear pragmatic manner (for my non financial mind to understand) but also Ed helped me work out which was the most suitable way for me to invest - and what I felt comfortable with.

The team are there to answer questions and you don't feel silly asking probably the most simple of questions, this makes you feel very comfortable to approach them.

At all stages I have only been met with professional and useful help. When investing in the future this helps with peace of mind. One very happy customer.

My circumstances were quite complicated, and I did not have a standard scenario in terms of income and general situation. Nick and the team listened to my needs and offered solutions and ideas very quickly.

My objective was to find an adviser who was flexible, easily contactable, and who offered transparent, visible solutions whereby I could easily keep track. Holder and Combes have fulfilled these criteria very well.

As a writer my income, my prospects and even my sobriety are famously unpredictable, and so I needed an adviser who was comfortable with an unfashionable degree of ambiguity.

Asking a financial expert to sort out my family's finances felt a bit like asking a professional pilot to fly us somewhere safely, given that I was unable to guarantee either the destination, or the airworthiness of the aircraft, or the amount of fuel we had on board. But Ed Holder came highly recommended by friends who know about this sort of thing, and when I met him I knew I had found the right person.

Ed and his team are smart enough to make a flexible plan around a life that has more ifs than therefores, and they are personable enough to make the process bearable. Money is one of the many things I can't cope with at all - and now that Ed is in charge, I have a lot less anxiety and I am freed up to write.

I really feel better for working with Ed and I highly recommend both him and his firm."

I contacted Holder & Combes having lost faith in my previous advisors who were not really listening, explaining or giving me the opportunity to think about my options. In contrast, Nick listens and talks me through my options with my objectives in mind. Everything is explained in language and terms that I understand, and there is never any pressure to do anything I am not 100% comfortable with.

The risks and benefits are always set out clearly and then I make the decisions. I have always found Nick and the team at Holder & Combes to be accessible, helpful and available when I need to speak to them.

Holder and Combes is a very professional organisation, who explained what they did, and what I needed to do, in great depth, but with a simplicity someone without a financial background could understand.

I've used Holder and Combes for a few years and the service has been consistently excellent. They respond quickly to any questions and are prepared to spend time getting the right solution in place. I'm happy to recommend them.

After leaving my job in a large corporation I needed to transfer my company pension plan to a private SIPP.

Ed and team at Holder & Combes were extremely helpful in dealing with the move and the many hoops to jump through. They kept me up to date with progress and took the time to walk me through the SIPP providers and find the right investments for my risk profile. I would highly recommend Holder & Combes for pension transfers and ongoing pension investment management.

Alex LeySoftware Engineer

Added 15th October 2013:

Ed and the team at Holder & Combers have been fantastic in working through and advising us on all things to do with our personal and family finances over the past two years whether it be pensions, tax, investments, insurance or mortgages. Essentially really important stuff but not something we can get remotely excited about. This makes Ed and the teams' enthusiasm, transparency, dedication and professionalism all the more comforting.

Ed has recently arranged my new life insurance policy. He was very approachable and explained everything clearly and in a way that I understood.

Both his advice over the telephone and in writing was concise and pitched at the right level which made me feel confident and secure in knowing that the policy he recommended and arranged was correct for my requirements. I would have no hesitate recommending Ed to any contacts of mine looking for financial advice and I will definitely be going back to him for further advice in the future.

We have been delighted with the support from Ed Holder of Holder and Combes in helping up understand our pension options and expectations and dealing very quickly with some challenging investments.

The speed of response and action, practical, professional and knowledgeable approach with options presented in a straightforward way have been outstanding.
Ed was recommended to us by a friend, and we would have no hesitation in recommending Ed and his company to others,

I was very grateful to hear about Holder & Combes from a colleague at work.
I had been following articles on the national press for the past year and was confused as to what to do about my pension, whether to take out an annuity now or postpone it for later.

Nick Combes made it easy to understand and advised me on best options available, taking into account my personal circumstances and needs.

What to do with my pensions was a mystery until I contacted Nick at Holder & Combes. What I particularly like with this company is that my approach to risk management is respected completely, and I understood exactly what was proposed.

I am very happy with the performance of my investments and the way H & C approach the analysis and management of the funds and fund managers they choose to work with. I think the essence of good financial management is always based in trust - and I trust Nick and the company to advise me well.

Holder & Combes have been helping me organise my personal finances for the last few years. Prior to meeting Nick I had no financial advisor or pension in place and I now have my finances in much better order and I also understand better what steps I need to take in order to deal with my finances in the future.

I have also had some help with my company's finances and will definitely use Holder & Combes the next time I have any financial needs. I can highly recommend them.

Patrick AndersonDirector - ROROHIKO LTD

Added 31st May 2013:

Having always been fairly ramshackle in my approach to my finances Holder and Combes have completely sorted me out. Everything they present is clear, easy to understand and, more importantly, it's working.

It's a weight of my mind knowing that all aspects of my finances are being taken care of and that I have a good sense of where I'll be when I come to retire. It's just not something I'd ever really thought about before. On top of all this they're great to work with. Meeting with them is a pleasure.

Over the last three years Nick has completely overhauled my financial arrangements in order in a clear, practical and effective way. Highly recommended.

Dealing with the financial adviser at Holder & Combes has been a real breath of fresh air - for the first time I have received no-nonsense, understandable advice on my investments in an open and honest manner - just fantastic.

Having advice given in the way it was, just left me wholly confident in the service I was being provided and with my best interests always at heart. I wouldn't hesitate for a moment in recommending them. Thank you.

Gunther WalkerManager at Solar Management

Added: 18th February 2013

As I approached retirement in the autumn, my main preoccupation was not what to do with my life but rather what to do with my occupational, money purchase pension. For someone like myself, with no financial expertise, this was both vital and incredibly worrying.

My pension is no doubt peanuts in Ed Holder's terms, but he has spent a lot of time working out and explaining the various options to me. As a result I have a peace of mind that I had not thought possible.

I feel very fortunate that in what I see as the dodgy world of financial advisers, I have (on the recommendation of a colleague) ended up with Holder & Combes.

Celia LocksJournalist

Updated: 5th Feb 2013

Holder & Combes have been looking after my pension, giving me advice on my investments and helping me with mortgages now for several years, and have just helped me in getting my current mortgage re-underwritten for my new house.

At every stage of each investment I have had all the risks and benefits of each decision explained, both in person and on the phone. My most recent mortgage was handled personally by Justin Al-Kaisy, who successfully navigated me through the process, and has been extremely helpful and diligent throughout, and has helped keep my mortgage provider on a tight time schedule for the whole process.

I've been extremely happy with the personal and impartial advise I've received over the years, and feel the products I've been recommended have been a good match for my financial position, and have performed well. If you are looking for a group of highly professional, highly qualified and highly personable IFA's, then Holder & Combes should fit the bill.

Nick RunecklesDirector

Added: 25th January 2013

I am a new client to Holder and Combes but have had a very positive experience so far. They are professional organised and transparent in all that they do.

Just wanted to say a huge thanks to you and to Justin for your advice and help in getting not one but two mortgages set up in super quick time, enabling me to finance my lease extension and move house within a very short timescale.

Also worth noting that Justin's assistance was invaluable to me in progressing my mortgage application whilst I was on vacation. I am a very happy customer, so thanks again to both of you!

Jennifer WalkerNOMURA

Added: 29th June 2012

Holder & Combes were recommended to me by my solicitor to advise on a technical issue. It certainly wasn't straightforward but Ed and his team put in a monumental effort, breaking records for call durations to the underwriters, driving process change within the dinosaurs of General Insurance and maintaining excellent humour along the way.

Hours were invested for a very modest policy and I would not hesitate to return for any advice in the future."

Hugo ElliottMarkets & International Banking (RBS)

Added: 29th May 2012

I consider you to be very good at your job for many reasons but in particular because of your ability to phrase things in a simple way, targeted for the person you're talking to so they understand clearly.

Professionals often like to use complicated words and industry terms to confuse people and make themselves look clever - but not you guys. Your emails epitomise this! I've no doubt your other clients love your manner and approach.

I've spoken to a lot of different people and you guys really do seem to know a lot more than everyone else. On reflection, the advice you've given has saved us an absolute fortune but for me the most important thing is that it saves me having to worry about the future.

After an encounter with a dodgy pensions salesman, we were so relieved to meet with Ed. He wanted to give us advice based on our own unique situation, and to put our interests first. He treated us as intelligent people, and went to great lengths to explain his advice.

He was very generous with his time, (although we didn't have much to invest)! We are so happy that we found Holder and Combes and made some plans for our financial future.

Lara HoustonPhD

Added: 1st March 2012

After being recommended Ed by a friend, my first foray into financial planning has been smoother and far easier to understand than I could have imagined.

Not your stereotypical financial advisor, Ed has taken away a great deal of the mystery of the financial world for me. Ed and the team at Holder and Combes made me feel very comfortable with my investments and I am happy to recommend to anybody seeking financial advice in the future.

Jon CliffordMusician

Added: 19th February 2012

Ed was recommended to my by a colleague in November 2011, at which point, I quickly realised he was a most impressive individual.

Certainly not your stereotypical Financial Advisor, Ed is an animated and enthusiastic person who is happy to talk about anything and everything.

But when it comes to business, Ed and his team certainly go the extra mile to ensure their clientele receives unbeatable support and service.

I look forward to a long-standing and deep rooted relationship with Ed and would suggest anyone considering a financial advisor to take the first step.

Ed Holder has been my IFA for about 5 years now. He's helped me no end with all matters financial (for both myself and my business) and has made the purchase of an office and a family home possible for me.

He possess an unfathomable boundless enthusiasm for all he does while understanding very well that people like myself neither understand nor really care that much about the maze that can be financial planning. To know that I have someone like Ed and his excellent colleagues looking out for me is a great relief. I always recommend Holder and Combes to all I meet so I'm sure they owe me another lunch by now...

Under strict instruction from my girlfriend, and on the advice of a savvy Headhunter friend of hers, I approached Nick Combes at Holder and Combes for financial advice. My finances had been a mess for years. This was partly my own fault and partly the result of a very lazy financial adviser some years ago, who encouraged me to buy a dodgy endowment mortgage and seemed more interested in his sailing holidays than making my money work for me. My pension was a long forgotten scheme started when I was staff at the BBC.

Over two visits six months apart, Nick carefully went through the options in lay terms for me and convinced me what policies I needed and which were luxuries. We then projected what expenses I needed to prepare for down the line. I have been delighted with all the advice I have received so far and will be recommending him to my mother next - a good measure of the regard I now hold for Holder and Combes!

David BoulterTV Producer

Added: 8th November 2011

Nick has been my family's IFA for eight years and I can't recommend him highly enough. He is always available and able to help, and as my position has developed over the years Nick's advice and support has been spot on every time. He is very customer focused, has great integrity and his market knowledge is excellent.

Trust is a very important attribute that I look for in people, particularly when it comes to dealing with my financial matters, and I trust Nick's judgement and abilities. As a client of his for the past 2 years, I have also been consistently impressed with Nick's accessibility and attention to my needs. As I grow my own business over the next few years I am confident that Nick will be integral part of my network which will steer the business towards growth and prosperity.”

Ed has been my IFA for almost three years. He is great to work with and clearly passionate about what he does, taking the time to explain the options and demystify what can be quite complex investment choices. And the proof is in the pudding - Ed has really built value in my private pension fund. I had no idea how much better the returns could be until Ed suggested I move it into a new investment scheme where it has grown much faster than it was previously growing.

I have had a very positive experience working with Ed and his firm. He has a high degree of integrity and his firm has a client oriented and results oriented focus. Recessions often result in the growth of customer focused, highly productive firms and that is exactly the type of business Ed is a part of.

Ambasuthan JananayagamPartner

Added: 25th August 2011

Ed excels in his field. He is accomplished and expert and never fails to give sound guidance and advice. My partner and I trust him implicitly and when we've recommend him to friends and colleagues the feedback is always positive and enthusiastic. He's an impressive guy who always delivers creative, skillful and intelligent solutions. Its been hugely beneficial working with him. Its a pleasure to recommend him.

Neil HarberHead Hunter

Added: 12th July 2011

Nick has a gift for explaining financial matters in a very human and easy to understand way that enables one to make informed decisions. Everything feels easy and comfortable, leaving me in control but unburdened by the administrative side of things. In addition he's highly personable and a pleasure to work with. I would highly recommend Nick to others.

Always quick to respond to emails, and able to offer clear, easy-to-understand advice. Not your conventional suit!

Joanna WoolfTV and Digital Producer

Added: 22nd June 2011

Nick helps negotiate the minefields of mortgages, pensions, savings plans, all of which I find deeply tedious. He is a safe pair of hands, and very easy to work with - I would not hesitate to recommend him to any colleagues or personal friends/family.

I have been a client of Nick's for over 9 years. He has provided me with expert advice around a range of products and has consistently proven demonstrated his expertise. He has also gone the extra mile for me as a client and I have been completely satisfied with his service. I trust him and would happily recommend his work.

James GreengrassHead Hunter

Added: 13th June 2011

Nick has provided his expert advice to me over the last few years and I have great confidence in his, and the Holder & Combes, ethic and abilities. He has produced good results with my investments, and shown patience, care and a genuine interest in my circumstances, making what was once a somewhat daunting subject straightforward, interesting and enjoyable. I'd recommend him to anyone without reservation.

Miles EssexWeb Designer

Added: 2nd June 2011

Ed has been my advisor for a number of years and has always provided me with good quality, helpful advice in a very personable way.

Professional, approachable, friendly, efficient and knowledgeable. I have no hesitation recommending Ed's services

Dan McLachlanWeb Consultant & Designer

Added: 18th May 2011

Unlike many advisors Ed makes the world of finance easier to understand. He was able to very quicky respond to our particular requests and provide a range of well balanced, good value options. He was also very supportive all the way through our house purchase and provided excellent advice throughout.

Donald Campbell Marketing Manager

Added: 18th May 2011

I've known Ed socially and professionally since 2005. He is one of the most approachable, honest and intelligent people I know; therefore, I never hesitated to ask Ed for financial planning advice. The level of service Ed provided was exactly as I expected it - highly professional and appropriate. Based on this, I strongly recommend Ed's services.

Eugene KumeykoDerivatives Broker

Added: 21st July 2010

Ed has been my financial advisor for a few months and so far I'm delighted with everything he has done. He has strong opinions, a very reassuring no-nonsense approach and is great at explaining why he recommends the products he does. He also took on a lot of the admin burden of sorting out pensions, savings and numerous kinds of insurance, which made life a lot easier for me. If you want someone smart who is on your side, Ed's your man

Ed is a splendid fellow. He is almost able to get me interested in financial services. Not quite perhaps, but his enthusiasm for the subject, whilst utterly alien to me, somehow rubs off and I listen. There's often a bit in the meeting where just his mouth moves and I start thinking about badgers on roller skates and hot air balloons made of cheese whilst drawing pictures in my notebook and checking my iphone, but thankfully, Ed is so trustworthy, and committed to my financial health that none of this matters. After all, it's my job to make some money being creative and it's his job to stop me frittering too much of it away.

I'm (literally) all the richer for knowing Ed. Generally I'd rather cut important bits of my body off with a rusty spoon than think about finance. Ed seems to have a steely way of getting me to put that old spoon down and sign where it matters. It's quite a talent, and I'm happy to say it's a creative skill too; Ed is a veritable poet of the pivot table.

Since taking over the management of my pension, Holder & Combes have reduced the charges, increased my investment options and their fund advice has produced impressive returns after only a year - I wish I had met them 15 years ago!

Fiona CouperManaging Director

Added: 3rd March 2009

I have used Holder & Combes personally and would recommend them highly. Their personable manner and knowledge of the financial services sector is excellent. We have had no issue in recommending them to our clients and they have proved consistently to produce great results for everyone we have referred

Giles BrownAssociate Director

Added: 15th February 2009

Holder & Combes have consistently provided a first rate service on the many occasions that we have worked together. Their assistance and advice in relation to residential and commercial mortgages has always been efficient, attentive and highly competent.

Yash KulkarniBarrister

Added: 16th January 2009

The guys at Holder & Combes have been a great support in terms of professional services and really understanding my personal and family needs. I have every confidence that they look after my needs as a priority. Well done guys, and as and when appropriate, I will refer your services to colleagues, friends and family.

Nick has been my financial adviser for about six years now, and I have been consistently impressed. His advice is always timely, accurate and straightforward, and he has been instrumental in helping me plan all of my major financial decisions. He has the highest integrity and I would recommend him to anyone.

Stephen CrookbainPartner

Added: 7th September 2007

Ed has done a fantastic job in recommending financial products to my girlfriend and me over the past three years, particularly on the mortgage front where they have demystified a hugely confusing market for us and found the best deal available within the confines of our personal finances.

He is fun to work with, honest and straight talking and I would strongly recommend him to anyone requiring financial advice of any sort.

I have had other financial advisors in the past and have been privy to friends' dealings with other financial advisers and I can honestly say that Ed stands head and shoulders above other advisers. I would recommend his services without hesitation.

Registered in England: 6566662. Registered Office: 20 Little Britain, St Pauls, London, EC1A 7DH. Holder & Combes Ltd. is authorised and regulated by the Financial Conduct Authority - Firm Reference Number 574786.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.